Travel Insurance for Germany
From skiing in the Bavarian Alps to experiencing Berlin’s nightlife, learn how insurance for Germany could help Canadian travellers.
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As featured in:
- Do I need travel insurance for Germany?
- Travel insurance for activities in Germany
- Travel insurance for medical emergencies in Germany
- Travel insurance for lost luggage in Germany
- Road safety on the Autobahn and in general
- Travel insurance for cancelled, interrupted, or delayed trips to Germany
- Tips for travelling to Germany from Canada
What’s the first thing that comes to mind when you think of Germany? Storied forests, towering mountains in the Alps, fairytale castles like Neuschwanstein, charming towns such as Baden-Baden—famous for its spas— and wandering through festive Christmas markets with glühwein in hand, among other magical winter experiences, all come to mind for us. Of course, sloshing pints of beer at boisterous Oktoberfest celebrations, dancing your heart out at Berlin’s infamous clubs, summer techno festivals, and sampling local culinary specialties like sauerkraut, pretzels, and currywurst are not to be forgotten. Whatever your ideal trip looks like, Germany offers an eclectic art and music scene, natural beauty, and a diverse history.
Despite all the fun to be had in Germany, you can bet we’ve seen all sorts of travel insurance claims from Canadians travelling there. International travel can be life changing, but it also can involve those less-than-great moments - like sickness, missed flights, and lost baggage. Because of this, you may want to get a quote and purchase travel insurance for Germany before you set forth on your journey.
Do I need travel insurance for Germany?
World Nomads travel insurance plans offer protection against certain unexpected and unforeseeable circumstances that might disrupt your travel plans. You’ll want to consider travel insurance to protect yourself against expenses related to unforeseen events like theft of your baggage or a missed connection due to inclement weather that grounds your flight, for example.
Travel insurance for Germany can also protect against large medical bills resulting from accidents that may happen on your outdoor adventures such as rock climbing in Bavaria.
Our travel insurance plans also include important travel, medical, and security assistance services designed to provide you with guidance before and during your trip.
We have two plans to choose from for different types of travellers and adventures.
Travel insurance for activities in Germany
Whether you’re planning to ski or snowboard in the Alps or take a long-distance hike through the Saxon Switzerland forest, World Nomads travel insurance covers Canadians for over 250 activities in Germany. Rock climbing the crags of Frankenjura, kayaking on Bavaria’s mountain rivers and lakes, and cycling through the region of Rhoen are all covered under travel insurance for Germany.
It’s important to have a fairly concrete idea of your trip plans before you get a quote. You must list all your activities out when purchasing the plan—and if something happens while you are participating in an activity you didn’t list on your plan, then you won’t be covered. For example, if you go hiking while on your trip and you didn’t list that activity out when making your plan purchase, you won’t be covered if something were to happen on the trail. You may want to overshoot and list out all possible activities you may do, just in case.
Also keep in mind that you will be covered under the base plan to participate in various adventure sports, activities, volunteer, and work experiences, shown as Level 1, under both of our Standard and Explorer Plans. To have coverage for adventurous sports, work, and activities listed as Level 2 or Level 3, you will need to upgrade your adventure sports coverage and pay an extra premium at the time you purchase your policy.
Note: Special conditions and exclusions may apply to while taking part in certain sports and activities. For the full policy terms and conditions please review the policy wording.
Remember, travel insurance does not cover everything – for example, travel insurance will note cover you for any losses or expenses if you are intoxicated.
Travel insurance for medical emergencies in Germany
Whether you have an accident while tackling the Alpspitz Ferrata or sustain an injury while surfing the Eisbach River in Munich, you can protect yourself from loss due to emergency medical expenses by purchasing a travel insurance plan for your trip to Germany.
In a medical emergency, the first thing you should do (if you are medically able) is call the 24/7 Emergency Assistance Team. The team may be able to help you find a reputable medical center and could help organize the care you need. If you are unable to call until later, make sure you call them as soon as possible.
The Emergency Assistance Team can also help you navigate the unfamiliar health care system in Germany, including assisting you with language barriers and finding the best places to seek medical treatment.
Travel insurance for lost luggage in Germany
Lost or stolen bags is never something we plan for, but these things do happen. Did you arrive in Munich but your bag packed with your winter gear for your ski vacation didn’t? The first step is to contact the airline. If you’re lucky, your bags just took a detour and will eventually make their way to you. Even a delayed bag can be stressful though. If this happens and your bag is missing for 12 hours or more, your travel insurance for Germany could still reimburse you for a change of clothes and toiletries, until you and your bag are reunited.
While Germany is generally considered safe, pickpocketing or theft can happen anywhere. It’s important to be mindful of your belongings on crowded metros and busy markets. If your stuff is stolen from under your nose, your travel insurance plan could also reimburse you for what was lost (deprecation and plan limits will apply). When picking a plan, you may want to consider the amount of baggage coverage available and make sure you are comfortable with the maximum amount. The Standard and Explorer plans each have different limits.
In a crisis, our Emergency Assistance Team is available 24/7 for referrals or locations of nearby hospitals, medical providers or pharmacies. The team can also help with translation services during an emergency.
Road safety on the Autobahn and in general
You may be interested in taking Germany’s legendary Fairy Tale Route ("Märchenstraße"), which stretches for 600 kms from the town of Hanau in Central Germany all the way up to Bremen on the North Sea, or simply cruising between different German cities. If you’re planning a long road trip on the Autobahn, there are some rules of the road to be aware of. Drivers can go as fast as they want in de-restricted sections of the highway, although this doesn’t necessarily mean you should drive as fast as you want. The German government recommends a speed of about 130kph. World Nomads travel insurance includes emergency medical coverage that could assist you if you are injured in an accident. You will want to make sure to purchase car rental insurance separately, as this is not covered
Travel insurance for cancelled, interrupted, or delayed trips to Germany
Sometimes your plans just don’t work out. World Nomads travel insurance plans include trip cancellation, trip interruption, and trip delay benefits that may provide reimbursement for your unused, pre-paid, non-refundable travel expenses.
Trip cancellation and Trip interruption coverage can help protect you in case of emergencies before your leave, or back home in Canada after you’ve departed. If you need to cancel or interrupt your trip due to a covered reason such as a medical emergency or the death of an immediate family member, you may be eligible for reimbursement of your unused, pre-paid travel expenses (up to plan limits) that you can no longer use.
Tips for travelling to Germany from Canada
As much as you may have planned each detail of your German adventure, the unexpected can still happen. We encourage you to check out the Canadian government’s safety warnings for Germany before you leave. Up-to-date warnings— including weather advisories and political situations—will be listed on the website.
It’s also a good idea to save the 24/7 Emergency Assistance phone number and your plan number in your cell phone so you don’t have to search for that if an emergency happens. Learning a few German words and phrases will also go a long way!
Finally, you may also want to read up on some local tips and destination inspiration for non-touristy spots to check out in Germany. This way you can experience the lesser-known side of this European country rich in history, cultural festivities, and mountains.
This is only a summary of coverage and does not include the full terms and conditions of the policy. It is important you read and understand your policy as it contains benefits, conditions, exclusions and pre-existing condition exclusions. If you do not understand your coverage, of if you have questions, just ask us.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Protect your hard earned vacation from unexpected cancellation.
- Explorer Plan: $5,000
- Standard Plan: $2,500
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Been made redundant?
We’ve got your back.
Emergency Medical Insurance
Take the pain out of medical or dental costs.
- Explorer Plan: $10 million
- Standard Plan: $5 million
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Evacuation & Repatriation
We’ll get you to hospital or home quickly.
- Explorer Plan: $500,000
- Standard Plan: $500,000
Emergency Evacuation & Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Covers the theft, damage or delay of your bags, tech and sports gear.
- Explorer Plan: $3,000
- Standard Plan: $1,000
Protect your gear
- Luggage lost?
- Airline lost your gear?
- Tech trashed?
Help starts here.
- Emergency Medical Expenses
- Emergency Dental for Injury or Sickness
- Bedside Companion Travel and Subsistence
- Emergency Professional Services
- Emergency Evacuation and Repatriation
- Return of Travel Companion/Dependent Children
- Return to Your Trip Destination
- Return of Remains
- Travel Accident
- Flight Accident
- Trip Cancellation
- Trip Interruption
- Trip Delay
- Baggage and Personal Effects Theft or Damage
- Baggage and Sporting Equipment Delay
- Travel Documents Theft or Damage
- Sporting Equipment Theft or Loss by a Common Carrier
- Covered Adventure Sports listed in Policy
Assistance Services Included
- LiveTravelTM Emergency Assistance
- Worldwide Travel Assistance
- Adventure Travel Hotline
- 24/7 Security
- Travel Medical Assistance
- Bag Trak
24/7 emergency assistance
Whether you need medical or dental assistance or advice, emergency evacuation or travel assistance, our team are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Telephone +1 866 878 0192 (toll-free from Canada and the Continental U.S.) or +1 416 646 3723 (collect from anywhere else in the world)
Contact the teamBefore your trip, check the latest government advice for any travel alerts for your destination.